Car Insurance in Fountain Minnesota - 10 Discounts You Might be Missing

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you you're not the only one. There are many to buy insurance from, and though it is a good thing to have a choice, it makes it harder to compare rates.

Finding the best rates in Fountain is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Minnesota consumers only need to know the proper methods to buy car insurance online.

How to Compare Fountain Car Insurance Costs

Most major insurance companies like Progressive, Allstate and GEICO provide prices for coverage online. Getting quotes is fairly straightforward as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, the system will obtain your credit score and driving record and generates pricing information based on these factors. Being able to quote online makes comparing rates easy, but the time it takes to visit multiple sites and type in the same information gets old quite quickly. But it's very important to perform this step if you want to find the best price on car insurance.

Quote rates the easy way

A less time-consuming method to find better car insurance pricing is to use a quote form to obtain quotes from multiple companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose any one of the returned quotes. If you find a better price you simply finish the application and buy the new coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it's recommended you replicate the coverage information as close as possible to your current policy. This way, you're receiving a rate comparison based on similar coverages.

Are you getting all your discounts?

Companies offering auto insurance do not list every discount very clearly, so here is a list both the well known and also the lesser-known ways to save on car insurance. If you're not getting every credit possible, you're just leaving money on the table.

Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Defensive Driver - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Distant Student - Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
Multiple Policy Discount - When you have multiple policies with one insurance company you may save up to 20% off your total premium.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
Senior Citizens - Older drivers may qualify for reduced rates.
Federal Government Employee - Simply working for the federal government can save as much as 8% with a few car insurance companies.
Early Signing - Some companies give discounts for buying a policy before your current policy expires. This can save 10% or more.
Paperwork-free - Certain companies may give you up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only cut specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, you won't be that lucky.

For a list of insurance companies offering car insurance discounts in Minnesota, click this link.

Even more information is available at the Minnesota Department of Commerce website. Visitors are able to read industry bulletins, discover disciplinary actions, read consumer alerts, and read enforcement actions against agents and companies.

A tidy conclusion

The cheapest car insurance can be found both online and with local Fountain insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not offer online quoting and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.